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As a married parent of 2 children, Zorayda works hard to support her family.

She has a direct selling business for Avon and Natasha products in the Philippines and also earns additional income from food vending. Zorayda is borrowing 19,500 PHP through NWTF to purchase more stock to sell like lotion, perfume, sandals, shirts, etc..

Zorayda has been sustaining her business activities through her past 16 loans from NWTF. She hopes that her hard work will help her attain her dream to build and expand her business to secure the financial stability of her family.

Additional Information

About Negros Women for Tomorrow Foundation

Negros Women for Tomorrow Foundation, Inc. (NWTF) is a non-governmental organization established with an aim to help men and women achieve self-sufficiency, particularly in the province of Negros Occidental’s low-income communities. The organization offers its clients a wide variety of products, including loans for micro-entrepreneurs, hospital income benefits, life insurance, accidental death benefits and more. Kiva lenders’ funds will be used to expand the reach of these products to low-income urban and rural communities.

About Philippines

  • $7,000
    Average annual income
  • 342
    View loans »
    Philippines Loans Fundraising
  • $70,624,175
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Zorayda to purchase more stock to sell like lotion, perfume, sandals, shirts, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 10, 2012
Dec 23, 2012
Currency Exchange Loss:
Jul 17, 2013